Buy Cheap Port St. Lucie, FL Auto Insurance

Port St. Lucie, FL auto insurance costs $377 per month or $4,534 annually on average. The cheapest Port St. Lucie, FL auto insurance company is USAA, followed by State Farm. However, your insurance costs in Florida depend on both driving and non-driving factors. All Port St. Lucie residents must carry at least the Florida auto insurance minimum requirements of 10/20/10 in liability coverage plus $10,000 in personal injury protection (PIP) to drive on the roads legally.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • On average, Port St. Lucie, FL auto insurance costs $377 per month or $4,534 annually
  • USAA offers the cheapest average quotes in your city, followed by State Farm
  • Port St. Lucie rates are average to low for the state of Florida

Port St. Lucie, FL auto insurance rates are low to moderate compared to other major Florida cities.

Keep reading to compare actual rates from the top Port St. Lucie insurance companies and learn how to secure cheap Florida auto insurance.

When you’re ready to buy Port St. Lucie, FL auto insurance, enter your ZIP code into our free rate tool above to start shopping.

What is the cheapest auto insurance company in Port St. Lucie, FL?

USAA offers the cheapest average Port St. Lucie, FL auto insurance quotes; however, only military personnel and their families can use this provider.

The next most affordable Port St. Lucie, FL auto insurance company available to everyone is State Farm.

Below, compare the average annual premiums from the top insurance providers in your city:

  • USAA – $2,700.25
  • State Farm – $3,131.79
  • Nationwide – $4,050.00
  • GEICO – $4,166.17
  • Liberty Mutual – $5,231.10
  • Progressive – $5,346.12
  • Allstate – $7,112.61

Insurance companies each use unique formulas to calculate your rates. Your age, driving record, and coverage requirements influence your total costs.

In Florida, non-driving factors like marital status and credit score also impact your rates, regardless of how often you drive.

Therefore, to truly secure your cheapest rates, compare quotes from multiple different providers online.

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What auto insurance coverage is required in Port St. Lucie, FL?

Legally, all Port St. Lucie drivers must carry at least the Florida minimum auto insurance limits to use the roads.

Currently, Florida requires residents to purchase at least:

  • $10,000 per person and $20,000 per incident in bodily injury liability auto insurance
  • $10,000 in property damage liability auto insurance
  • An additional $10,000 in personal injury protection (PIP)

Florida is a no-fault state. Your mandatory PIP insurance pays for your medical care and lost wages associated with an accident, regardless of fault.

What affects auto insurance rates in Port St. Lucie, FL?

As a charming treasure coast town, minor traffic congestion and a low auto-theft rate help keep Port St. Lucie insurance rates down.

According to INRIX, Port St. Lucie is the 162nd most congested city in America. Drivers lose only four hours to traffic congestion each year.

Driving often during rush hour can also increase your insurance costs.

Unfortunately, City-Data reports that the average commute length for Port St. Lucie residents is 29.1 minutes, longer than the national average of 26 minutes.

However, the Federal Bureau of Investigation (FBI) recorded only 87 car thefts in your city in 2017.

That rate of only 46.1 stolen vehicles per 100,000 residents is lower than the state average and positively influences your regional insurance costs.

Port St. Lucie, FL Auto Insurance: The Bottom Line

If you live in the coastal city of Port St. Lucie, your insurance rates are average to low compared to the rest of the state.

By taking the time to compare quotes online and asking about auto insurance discounts, you’ll find the cheapest rates in your city.

Compare affordable Port St. Lucie, FL auto insurance quotes right now by entering your ZIP code into our free rate tool below.

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